Chase vs Citibank

Chase is a national bank with good promotions for new customers. How does it compare to Citibank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare Chase with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	Citibank
	SPECIAL OFFER Chase Business Up to $500 Bonus - Learn More Read Chase Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	6-Month Fixed Rate CD - 4.00% APY 9-Month Fixed Rate CD - 3.00% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service	Automated service available 24/7	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	Over 4,700	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	National bank with good promotions for new customers... Read full review	Large national bank best for high balance customers... Read full review
	Chase Business Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 12/29/2025. Citibank: Pricing information from published website as of 12/19/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 5/14/2026

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Get added features at no additional costs. Choose Chase Business Complete Banking^® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.

Which is Better: Chase or Citibank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

Articles on Chase

Chase Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Open a Chase Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Complete Banking Review

Is Chase Business Complete Banking® the right choice for you? Here are the benefits and fees you need to know.

Chase Routing Number

What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

Chase Private Client vs Sapphire Banking

What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.

Chase $600 Bonus

Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.

Does Chase Have a High Yield Savings

Curious if Chase offers a high-yield savings account? Read on to find out.

Chase Savings Account Interest Rate

Looking to open a savings account with Chase? Check out the current rates being offered.

Chase CD Rates

Are Chase CD rates any good? You might find better options elsewhere. Find out more.

Chase Business Checking Fees

What is the cost of having a Chase business checking account? Learn how to waive the monthly service fee, plus other fees you should know.

Articles on Citibank

Citibank Review

Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

Citibank vs HSBC

Open Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank High Yield Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.